₹25,000 - ₹25 Cr
Loan of up to 80% of policy value| Funding against policies under lock-in period
Overview
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ways to get Rs. 50 lakh loan against securities
In Summary
A loan against securities can help you access funds by pledging eligible investments without selling them. The loan amount depends on the value and type of securities, applicable LTV ratio, interest rate, and lender terms.
- Eligible assets may include shares, mutual funds, insurance policies, and ESOPs.
- Interest is generally charged only on the amount withdrawn.
- Pledged investments remain in your name and may continue generating returns.
- Market declines may trigger a margin call if the LTV limit is breached.
- Review applicable charges, tenure, and repayment terms before applying.
Use the Bajaj Finance LAS EMI calculator to estimate your monthly repayment.
Here are the most popular options for raising Rs. 50 lakh by pledging your investments:
Loan product Interest rate Loan tenure ESOP financing Up to 14% Up to 36 months Loan against insurance 8% p.a. to 12% Up to 96 months Loan against mutual funds 8% to 12% Up to 36 months Loan against shares 8% to 12% Up to 36 months Your investments can open doors to instant, high value funding no selling, no waiting. Explore now
Eligibility criteria for Rs. 50 lakh loan against securities
Securing a high-value loan like Rs. 50 lakh requires meeting certain conditions set by the lender. These criteria ensure that you have the capacity to repay and the assets to support the borrowing.
- Age: Applicants must be between 21 and 90 years old.
- Income: A stable source of income is essential whether from a salary, self-employment, or regular investment returns.
- Employment status: You can be a salaried professional, business owner, or self-employed individual.
- Asset ownership: You must hold eligible securities such as shares, bonds, mutual funds, or insurance policies.
Some lenders may set a minimum investment value or require proof of a strong repayment history before approving the loan.
Looking for a higher loan amount? You may consider availing a loan of Rs. 60 lakh loan to meet your needs.
What documents do I need for a Rs. 50 lakh loan against securities?
How to Secure a Rs. 2 Crore Loan Against Securities Instantly
For a 50 lakh loan against securities, you generally need identity, address, income, bank, and security-related documents to complete the application and pledge process.
- PAN and Aadhaar: Valid identity and tax-related documents for KYC verification.
- Address proof: A valid document showing your current residential address.
- Income documents: Recent salary slips, bank statements, or income-tax returns, as applicable.
- Demat account statement: The latest holding statement from NSDL or CDSL showing eligible securities for a loan against shares.
- Mutual fund portfolio statement: The latest portfolio statement from CAMS or KFIN for mutual fund pledges.
- Pledge form: A duly signed pledge creation form in the lender’s prescribed format.
For high-value loan against securities applications, the lender may request additional financial or security-related documents.
How to apply for a Rs. 50 lakh loan against investments
How to apply for Bajaj Finance loan against shares
Applying for a Rs. 50 lakh loan is straightforward if you follow the right sequence:
- Choose your loan type: Pick the loan product that suits your available investments.
- Check eligibility: Ensure you meet all the lender’s requirements before applying.
- Prepare documents: Keep your KYC, income, and investment proofs ready.
- Apply online or offline: Submit the application via the lender’s website or by visiting a branch.
- Pledge collateral: Share details of the securities you are willing to offer.
- Verification: The lender will confirm your documents and assess your investment value.
- Approval & disbursement: Once approved, funds are typically transferred within a few days.
Loan-to-Value (LTV): Lenders usually allow borrowing between 50% and 90% of the pledged asset’s value.
Planning a bigger investment? Explore a Rs. 1 crore loan to fund your goals efficiently.
Fees and charges for Rs. 50 lakh loan against shares
Features & Benefits for Bajaj Finance loan against shares
When you take a Rs. 50 lakh loan against shares, the cost is not just the interest. There are a few key charges you should understand clearly:
- Interest rate: Typically ranges between 8% to 12% per annum, depending on your portfolio, credit profile, and market conditions.
- Processing fee: A one-time fee of up to 4.72% of the loan amount (including taxes), charged for evaluating and setting up the loan.
- Prepayment charges:
- For loans up to Rs. 5 crore, full prepayment may not attract charges.
- Bounce charges: Applicable if EMI or interest payment fails, usually charged per instance.
- Penal charges: Levied in case of delayed payments or defaults.
- Other charges: May include pledge-related charges, annual maintenance fees, or statutory charges like stamp duty, depending on the loan structure.
Borrowing against your investments gives you funds while keeping your wealth secure and working for the future. Apply for LAS now
Tips to increase your approval chances
Eligibility criteria for Bajaj Finance loan against shares
Follow these steps to maximise the likelihood of securing your Rs. 50 lakh loan:
- Keep your investment documents updated and readily accessible.
- Maintain a good credit score to inspire lender confidence.
- Opt for a shorter tenure if you can manage higher EMIs to save on interest.
- Avoid applying to several lenders at once to protect your credit profile.
Things to consider before applying
Before submitting your application, keep these points in mind:
- Compare interest rates, loan terms, and processing fees among different lenders.
- Understand prepayment or foreclosure charges and conditions.
- Keep an eye on your collateral value, as market changes can affect your LTV ratio.
- Ask if the lender provides interest-only repayment options for flexibility.
Choosing the right lender and understanding terms can save you significant money and stress later on. Apply now
What is the overdraft structure of a Rs. 50 lakh loan against securities?
A 50 lakh loan against securities is generally structured as an LAS overdraft facility, not a conventional term loan with fixed EMIs. The sanctioned limit is based on the value of the pledged portfolio and the applicable LTV ratio.
| Feature | Overdraft LAS vs term loan |
|---|---|
| Repayment structure | Withdraw and repay as needed vs fixed EMIs |
| Interest | Charged only on the amount withdrawn vs the full loan amount |
| Flexibility | Partial withdrawal, repayment, and re-drawing vs a fixed schedule |
| Limit | Portfolio-based sanctioned limit vs fixed disbursed amount |
| Typical product type | Loan against shares and other eligible securities vs standard term loan |
| Best for | Fluctuating funding needs vs a one-time lump-sum requirement |
The exact overdraft structure, withdrawal conditions, and repayment terms may vary by lender.
What types of securities can I pledge for a Rs. 50 lakh loan?
For a loan against securities of 50 lakh, you may generally pledge listed equity shares, mutual funds, life insurance policies, ESOPs, or eligible bonds and NCDs, subject to the lender’s approved list and valuation criteria.
| Security type | LTV | Key condition |
| Loan against shares 50 lakh | Up to 50% | Listed securities must be on the lender’s approved list and held in an NSDL or CDSL Demat account |
| Loan against mutual funds 50 lakh | Varies by fund and lender | Portfolio records may be verified through CAMS or KFIN |
| Life insurance policies | Up to 85%–90% | The policy’s surrender value is generally considered |
| ESOPs | Varies | Subject to vesting, lock-in, and lender eligibility conditions |
| Bonds/NCDs | Varies | Based on credit rating, liquidity, and lender approval |
As per applicable RBI guidelines, the maximum LTV for pledged listed shares is 50%; lenders may apply separate limits to other security categories.
Conclusion
A Rs. 50 lakh loan against investments can be a powerful way to access large funds without touching your core portfolio. It’s faster, often cheaper, and keeps your long-term wealth intact. Before you apply, take the time to compare products, understand the lender’s requirements, and ensure your documents are ready. That way, you can go from application to approval in days and use your funds exactly where you need them.
Your investments are already working for you now let them open the door to Rs. 50 lakh. Apply for loan against securities today
Loan against your assets
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Frequently Asked Questions?
General
Eligibility
How to get a 50 Lakh Loan immediately?
To get a Rs. 50 lakh loan quickly, apply for a secured loan against investments like shares, or bonds. Ensure you meet the lender’s eligibility criteria, provide necessary documents, and opt for online processing for faster approval and disbursement.
What is the minimum salary for a 50 Lakh loan?
There is no minimum salary requirement to avail of a Rs. 50 lakh loan against your investments. Instead, your eligibility depends on the value and type of securities you pledge such as shares, mutual funds, or insurance policies approved by your lender. As long as your pledged investments meet the lender’s criteria, you can access funds without income-based restrictions.
What is the interest rate for a 50 Lakh Loan per month?
Interest rates for a Rs. 50 lakh loan may vary, depending on the lender and applicant profile. Monthly interest is calculated based on the annual rate, loan tenure, and repayment type. Secured loans offer lower rates than unsecured personal loans.
What is the eligibility for a Rs. 50 lakh loan?
Eligibility depends on factors such as age, income level, employment or business stability, existing liabilities, and credit history. Lenders also assess repayment capacity to ensure you can comfortably service a Rs. 50 lakh loan.
What documents are needed to get a Rs. 50 lakh loan?
Common documents include identity proof, address proof, income documents, bank statements, and tax returns. Self-employed applicants may need business financials, while salaried borrowers submit salary slips and Form 16.
Can self-employed individuals get a Rs. 50 lakh loan?
Yes, self-employed individuals can avail a Rs. 50 lakh loan if they show stable income, consistent business performance, and proper financial records, along with a satisfactory credit score.
What are the fees and charges for a Rs. 50 lakh loan?
Fees may include processing charges, documentation fees, and applicable taxes. Some loans may also have prepayment or foreclosure charges, depending on the lender and loan terms.
How do I apply for a Rs. 50 lakh loan online?
You can apply online by filling out an application form, submitting basic details, uploading documents, and completing verification. Once approved, the loan amount is usually disbursed directly to your bank account.
Can I use a Rs. 50 lakh loan for business expenses?
Yes, a Rs. 50 lakh loan can be used for various business needs such as expansion, working capital, equipment purchase, or managing short-term cash flow requirements.
How does credit score affect my eligibility for a Rs. 50 lakh loan?
A higher credit score improves your chances of approval and helps secure better interest rates. A low score may reduce eligibility, increase rates, or require additional security or documentation.
Disclaimer
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